Job Description

Job Title Product Manager

Description

Product Manager, SME Segmentation - UAE National Only
PBG-Installment Products & Liabilities
CBD, Head Office
Experienced
Full-time
Description
Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World's Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile.

Job Purpose:

In line with strategic intent to grow SME segment, purpose of this role is to Maintaining Balance sheet and P&L of SME products and services, working to make sure that we achieve/exceed the targets. Planning, developing and implementation of policies, procedures, SOPs to ensure that the segment's objectives are achieved.

Principal Accountabilities:

Carry out market research to gather market intelligence to understand customer needs for further products development and enhancement on existing products.

Ensure revenue generation through various channels (liabilities, assets and non-funded fee income services)

Leading and supporting the development and maintenance of SME Banking business loans products credit risk strategies.

Ensure strategies adhere to policy and risk appetite requirements in order to help business in achieving sustainable, controlled and robust growth.

Provide business insights and recommendations to increase sales productivity and efficiency levels.

Create and manage new product development initiatives, business cases and business requirement documents for all new business development initiatives and implementation of related processes.

Optimize portfolio performance through analytical diagnostics and deep dive activity and learn agenda

Work closely with internal partners, to develop and recommend product enhancements including operational effectiveness and efficiencies, strategy opportunities, new sales tools, reengineering processes, etc.

Carry out extensive pricing analysis, prepare forecasts on volumes of sales, cost and profit margins that can be obtained at different pricing levels and determine the optimum pricing.

Responsible for all customer segment group research including extracting customer data and analysing profiles to determine market segment requirements, develop target products offerings and marketing campaigns based on customers profiles.

Research market activities to ensure that the timely and comprehensive knowledge of target market segments and key customers is reflected in product plans.

Liaise with Training team to prepare product knowledge session to train frontline employees for the sales of SME liabilities and assets products.

Maintain comprehensive competitive information on market penetration, product digital capabilities, trends and development with appropriate recommendations and related clear roadmap strategies.

Measure internal and external client satisfaction with respect to the products of responsibility

Monitoring and enhancing Service Level Agreements with all operational departments in order to achieve satisfactory customer experience

Occasional Responsibilities and Accountabilities:

To ensure timely submission of detailed reports / analysis decks on periodical basis

To liaise with internal / external auditors wherever is required
Requirements
Education and Experience:

Degree in Accounting, Finance, Economics or Business Management / Administration

5 - 10 Years' experience in SME Banking in a capacity of product management with minimum of 5 Years' experience in SME Business in UAE.

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